ALL kite surfers should have (must if I had my way) insurance when kiting ...

http://www.aksa.com.au/insurance

Note: instructors, schools need a separate level of insurance, so it pays to ask your instructor if they are personally qualified, insured and so is the business.

No Insurance, No Play

Not me, but trout about it today as I was hurtling towards a sailboat,...

What are the premiums like?

Here Here Hear Jason.
$125 pa for 20mil cover + all the other stuff KA (Kiteboarding Aust. formerly AKSA) & your state KSA do for ALL kiters.
Peanuts.

belldiver said...
If only it were that simple but i'd like to see anyone thats even got 1 million out of this type of insurance.

Insurance is a scam and I avoid it.

To the contrary. This type of insurance is probably the most important - for example, it is compulsory when driving a motor vehicle. It could literally save your financial life. This is why driving a car without a licence is such a bad idea - if you injure of kill someone you will likely be bankrupted and paying out the compensation for perhaps the rest of your life.

So belldiver you have never heard of someone (or their estate) who has been injured (or killed) receiving large compensation payouts?

if your a deep sea diver you could afford it anyway if someone sued the arse off you :)

Why the hell would anyone kite near swimmers! Our more to the point, there's no way I'd swim near kiters! :)

belldiver said...
If only it were that simple but i'd like to see anyone thats even got 1 million out of this type of insurance.

Insurance is a scam and I avoid it.

I personally don't live in fear. Whether it's business , pleasure or everyday living I only take calculated risk. If I was on a beach flying a 200g princess kite from K-mart with my daughter & it crashed into someone the last thing on my mind would be 'insurance' am I covered. You'd get away with a handshake & a smile. I weigh 95kg & I'm only going kitesurfing when the winds strong enough to power up a 17m or 12m kite. Fact is, no matter how experienced I am, there's a risk I can become a human recking ball. I only go to beaches approved by local councils for kitesurfing. Unfortunately , the rest of the world is not banned from the same beach. I will do everything I can to avoid people having a picnic , a family on an overseas holiday or a couple walking/jogging the length of the beach. I'm not reckless & will take every precaution I can to avoid an incident. This is my first season in the sport but I'm under no illusion the potential damage a large powered up kite can do to someone. I've been in business for more than 15years & always been fully insured. Never had to claim $1 until a few months ago when a couple of vehicles got written off. Fortunately I got paid out close to $80000 because I didn't believe insurance is a scam.

If it wasn't for Kiteboarding Australia sitting down, negotiating with local councils & taking the burden of public liability insurance from them, there simply wouldn't be any legal place to kiteboard.

Exactly wierd, when it comes down to it they wont pay ****e. They will happily accept your donation every year.

EG My father lives on a hill where he must have floof insurance, we will have to break out the ark again before his house ever floods and he cant remove it.

My uncle live next to a river that flood every couple of years and his lower hous goes under. He has his house set up so he puts everything upstairs and he can remove his flood insurance.

Who said $125 was too expensive? No one did!

For this price mine includes a cover on my own equipment and myself as well. Personally I was more curious about what is on the local market apart from the AKSA one that doesn't suit my needs.

Kazan said...
I cannot believe the scabs in here thinking $125 or even $1,250 is too much to pay for insurance or that they think have the Hand of God down there!

I pay personally around $7000 a YEAR in insurance for all sorts of things, including property insurance, personal contents, death & disability and income protection. And you bastards think $125 is too much! Grrrr....

Do not come up to Far North QLD and kite, is all I can say.

Frightening to think 80% or more drivers out there are not even registered let alone insured, and I ride a bike to work! Yikes!

Take a chill pill, buddy.
In Germany I had a public liability insurance covering everything(!) not only kiting and a legal expenses insurance for ~250 AUD and when I moved here I was very surprised to find out that there is no such thing in Australia.
You can imagine that I am very interested in an insurance for a sport like kitesurfing where accidents happen from one second to the next especially when it's crowded.
Back to the AKSA insurance. Maybe the pamphlet is enough for you to sign up but I wonder why there is no product disclosure statement on that site.
The gory details make the difference. Can you explain me what that "do not exceed manufacturers specification" means for me if I have an accident? Will they pay or will they bail if I crash in 25kn and my kite has a wind range from 10-20kn? What does your PDS say? Please enlighten me.

$125 per year...
If I dont pay it I'm sure I will break something or hurt someone. If I do pay it I'm sweet.
$125 per year... That not even one night out on the piss...

not that this is all that relevant to me but I always wonder when they say you are covered if you follow safe kiting procedures but then surely you would then be safe from litigation

I don't have any type of insurance. Insurance is a gamble. So far not having it has saved me **** loads.I will be getting health insurance soon though.

Livit said...
Who said $125 was too expensive? No one did!
For this price mine includes a cover on my own equipment and myself as well. Personally I was more curious about what is on the local market apart from the AKSA one that doesn't suit my needs.

Your KA volunteer reps have spent countless hours investigating & checking policies to come up with the most appro & cost efficient cover possible.
If you, or anyone else, has info on better more appro cover then why not let KA (or your state KSA) know about it.
Not saying it doesnt exist just that the KA would always be open to anyone (members or otherwise) providing the benefit of their own findings.
There is absolutely no motivation or benefit to be gained by KA appointing insurers with anything but the best available cover.
I know from my experience with the AKSA that the experts (the brokers) often gave advice in terms of 'company x offers xyz & that sounds great but they havent followed thru". With insurers you dont always get what it says on the pack.

will the insurance cover me if i damage someone elses gear? i.e. will AKSA buy some one a new line - set /Bar if i cross lines?

Will the insurance cover me of i damage gov't property eg power lines?

will the insurance cover me if i hit a swimmer while kite surfing?

I think these are important questions that should be addressed by the insurance.

Seabreezeb said...
will the insurance cover me if i damage someone elses gear? i.e. will AKSA buy some one a new line - set /Bar if i cross lines?

Will the insurance cover me of i damage gov't property eg power lines?

will the insurance cover me if i hit a swimmer while kite surfing?

I think these are important questions that should be addressed by the insurance.

'There is a $2,500 policy excess for property damage and bodily injury claims. The payment of the excess is the responsibility of the defending party and will not be paid by AKSA / KAL unless otherwise agreed.'